This particular program began in 2007 and so the first set of PSLF benefactors can
start receiving forgiveness starting in 2017 (beginning in October 2017, you can start submitting applications for the program.)
If we trust our heavenly Father to deliver us out of all sin — we can't deliver ourselves — from the day that we
start with Him, until the very end, while also trusting Him to forgive us every time we repent of a discovered sin, and so, are able to
receive that
forgiveness without any continuing guilt, or shame, what is wrong with that?